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Florida fix-and-flip financing
Fix-and-flip loans for Florida investment properties.
Short-term private financing for acquisition and renovation strategies where the property, project economics and exit drive the underwriting.
Built around the full project economics.
A flip is more than a purchase. SPI reviews acquisition basis, rehab budget, potential post-renovation value, carrying exposure, execution and exit.
Submit these numbers
Purchase priceRequested loanRehab budgetARVScope of workExit timeline
Controlled rehabilitation draws
Rehab draws are handled through controlled reimbursement tied to documented progress, with inspection where applicable.
Final loan structure, leverage and draw mechanics are determined during underwriting. This website does not publish a maximum LTV, LTC or loan-to-ARV unless SPI formally adopts one.
Three ratios every flipper should understand.
LTV
Requested loan relative to the property's current value.
LTC
Requested loan relative to acquisition cost plus project costs.
Loan-to-ARV
Requested loan relative to expected value after the renovation is completed.
Have a Florida investment-property deal?
Start with the transaction.
Submit the property, requested loan, business plan and exit strategy for a preliminary fit review.